Published on Jan 22, 2015 by Edgar Snyder

New Year, New Insurance: Stacking

Stacking Limits

Stacking and What Your Insurance Company Won't Tell You

Have you ever heard of "stacking" your limits of coverage? If not, that's okay. You and millions of other Americans might be missing out on this little trick that could save you thousands.

Insurance companies may be reluctant to tell you about the benefits of Stacking your insurance coverage. We'll explain what stacking does and why it's so important for you to include it in your auto insurance coverage for 2015.

What is Stacking?

Stacking is essentially combining the Uninsured/Underinsured Motorist coverage (UM/UIM) you have on all of your vehicles to benefit you in the event of an accident. You only need a few things to qualify for Stacking:

  1. More than one vehicle
  2. All your vehicles to be insured by the same provider

That's it.

Stacking works like this: Say you have 2 cars and both have $100,000 per person Uninsured/Underinsured Motorist coverage. If you choose to stack your coverage, you multiply the limits of your coverage ($100,000) by the number of cars on your insurance policy (2).

That means your new "stacked" UM/UIM coverage would be $200,000 per person. Stacking exists so that you can pull from both insurance plans to help cover you in the event of an accident.

Makes sense, right?

How to Get Stacking Now

Stacking Limits

Check your plan to make sure you're in on the deal. If you're not, don't fret. Just call your insurance agent and have them stack your limits. They know the drill.

For less than a few dollars a month, you'll be able to pull from the stacked limits of your UM/UIM coverage on all your vehicles in the event of a serious accident.

If the person that hits you has the state minimum, your medical bills could far exceed their coverage. Make sure you're protected with Stacking.

Protect Yourself in 2015 and Drive Safe

As part of your New Year's resolution, we hope you'll examine your car insurance to better protect yourself. By adding Stacking to your insurance policy, you can effectively multiply your UM/UIM benefits to help you in your time of need.

Don't forget to check out the other entries in our series New Year, New Insurance. We have blogs on Bodily Injury Liability, Property Damage, Limited Tort vs. Full Tort, and more.

As always, if you're ever injured in an accident, contact our law firm for a free consultation. It won't cost you anything, and we'll get you the answers – and the legal help – you need.

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